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Choose Your Checking Account

We've got two different checking accounts, so you can select the one that's right for you. Not sure? Take our quiz.

Checking Accounts

We've got two different checking accounts, so you can find the one that's built for you. Both are simple, secure, and easy to open online. 

Compare Checking Accounts

Citadel Free Debit Card

Free Checking

A simple, secure, free account with no minimum balance

null iconEarns cash back 

•  No monthly service charge2

checkmark icon Free Transactions at Citadel ATMs

null iconFree transactions at Non-Citadel ATMs ($3 withdrawals, $1 balance inquiries)

null iconFree Automatic Overdraft Transfers ($5 ea.)5

null iconFree stop payments ($25 ea.)

checkmark icon Free, 24/7 Online & Mobile Banking 

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Citadel Cashback Rewards Card

Cashback Rewards Checking

An account that earns 1% cash back on everyday purchases

checkmark iconEarns 1% cash back on purchases up to $120 per year1

•  $10 monthly service charge, waived with $1,000 in qualifying Direct Deposit(s) per month OR maintain an average daily balance of $5,0003

checkmark icon Free Transactions at Citadel ATMs

checkmark iconFree transactions at Non-Citadel ATMs4

checkmark iconFree Automatic Overdraft Transfers5

checkmark iconFree stop payments

checkmark icon Free, 24/7 Online & Mobile Banking 

 Read Full Disclosure

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All standard account requirements apply. Information accurate as of , and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.

1 Earn Up to $120 in Cashback Rewards Annually: When Cashback Rewards transaction requirements are met, earn 1% cash back on Citadel debit and/or credit card purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking account. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). Available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking or by contacting Citadel. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking account. For full Cashback Rewards program details and disclosures, visit

2 No maintenance or monthly fees apply to Citadel’s Free Checking account, but other fees may apply including inactivity fee, ATM fee, overdraft fee, and other account-related fees. For a full list of fees, visit

3 Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking: To earn Cashback Rewards and avoid $10 monthly service fee, one of the following criteria must be met: Receive monthly qualifying direct deposit(s), as previously defined, totaling $1,000 or more OR maintain average daily balance of $5,000 in your Cashback Rewards Checking account. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Not available for business accounts or public funds.

4 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit

5 Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the extra expenses caused by a bounced check or insufficient funds. These include: transferring funds from a Citadel Savings and/or Money Market Account; advancing funds from a Citadel Personal Line of Credit; and Courtesy Pay. Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account). As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid. If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by: completing the opt-in form in Online and Mobile Banking by selecting 'Courtesy Pay' under 'Accounts' in the main menu; visiting any Citadel Branch; calling Citadel toll free at 800-666-0191; or you cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.